NEW YORK (TheStreet) -- Stocks are all about the future, not the present, Jim Cramer reminded his "Mad Money" TV show viewers Thursday as he hosted the show live from the business school at Villanova University in Philadelphia.

Cramer said that while there are many things to worry about in today's market, young investors should be thinking about the markets of 2020.

Cramer's "buy and homework" portfolio for 2020 needs to focus on long-term macro trends such as curing diseases, something at which U.S. biotech stocks thrive. He suggested picking up Gilead Sciences or Celgene to fill the first slot in the portfolio.

Cramer said social media and cloud computing will likely be strong in 2020, which is why owning Google or Facebook should be next on the list.

There's also America's race towards energy independence, something that Cummins or Enbridge can do for investor portfolios along with Noble Energy or EOG Resources.

America is also great at manufacturing, said Cramer, which is why the 2020 portfolio also should have Caterpillar, Boeing or Honeywell. He also advised investors have a little gold in their portfolios for diversification.

Finally, Cramer said his 2020 portfolio should include something international, such as the iShares MSCI Mexico ETF. For speculation, he suggested US Airways on the heels of its merger. Last but not least, something local such as mortgage insurer Radian.

Cramer said younger investors shouldn't wait, because even a few dollars a month into a portfolio like this one will have bountiful yields in the future.

Xbox Marks the Spot

Even the best analysts sometimes get it wrong, Cramer told his audience as he dove into the most recent earnings of Microsoft, a stock that received no fewer than three downgrades right before it reported earnings on April 11, downgrades that proved to be the bottom for the stock now up 11% from those levels.

Cramer said Microsoft was left for dead by the analysts, who had tied the company solely to the decline in PC sales, forgetting about its many other businesses. Nearly all of the negatives had already been baked into the stock, Cramer continued, but none of the positives.